Morning Star
Tulsa, OK · Charter 14610 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$1.1MAssets
$556KLoans
$1.0MShares
$64KNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 95% of credit unions under $1B in assets (rank 80 of 1682).
- Widest gap: equity / assets trails 99% of credit unions under $1B in assets (rank 1673 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.54%
Rank 1,084 of 1,683
Net Interest Margin
4.13%
Rank 568 of 1,683
Efficiency Ratio
52.17%
Rank 80 of 1,682
Equity / Assets
5.75%
Rank 1,673 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.54% | 0.35% | 0.74% | 1.18% | Beats 36% | 1,084 / 1,683 | |
| Return on Equity | 9.38% | 2.67% | 5.89% | 8.74% | Beats 79% | 345 / 1,681 | |
| Net Interest Margin | 4.13% | 3.31% | 3.82% | 4.32% | Beats 66% | 568 / 1,683 | |
| Efficiency Ratio | 52.17% | 68.91% | 78.20% | 86.93% | Beats 95% | 80 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.54% | 0.26% | 0.65% | 1.29% | Beats 57% | 730 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 5.75% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,673 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 5.75% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,673 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 53.00% | 52.61% | 69.38% | 83.50% | 26th pctl | 1,252 / 1,683 | |
| Loans / Assets | 49.96% | 44.71% | 59.18% | 70.72% | 33rd pctl | 1,125 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |